Santander Bank US

• Free

Last verified 30 Aug 2026

4.7 426202 ratings · App Store

1. 5/5Improvements

   Not being able to get a replacement card more quickly (walk in) like TD Bank is frustrating. Also recently attempted to report daughter’s lost debit card as a joint account I have access to I was blindsided when online Card Services caused me to block my debit card & main source of financial access, on New Year’s Eve with NO ability to have Lead Mgt unblock it with major proof of who I was with card in hand needing to wait at least 2 days at $30 or 8 days free on a major holiday ALL due to online features being limited in not only not indicating which account or card was being check as lost until after confirm & also should add a safety feature option asking person to confirm account they are about to block is correct! Either of two steps would have prevented this unfortunate incident. I was thankful to the manager I spoke to who made suggestions how to deal with financial bind this put me in & waving the $30 2nd day delivery fee. This also happening on 1st of month caused me to miss receiving renters payment & having to reset card info & inconvenienced my renters as well. This could all have been easily prevented with Santander making minor improvements to be where competitor banks are. If making a change in banks did not involve so many changes, I would have moved over the incident & May still at some point in near future if more innovative changes aren’t made for convenient banking. Thank you for this opportunity to give feedback.

   TheDream19 · 30 Aug 2026

2. 3/5Decent I suppose

   I find the app generally useful at its most basic function. Being able to pay bills through the app is very handy and accessing a lot of my financial information is made much easier than the TD Bank app. I found Santander's deposit check camera system to be incredibly frustrating, however. The system never seemed to make it's mind if it wanted me to take a pic closer or farther away; and the automatic camera would time-out way too soon. I would prefer it to take the picture for me rather than do it manually (or at least let me choose between the two) because I don't quite trust myself if I've taken a picture of my check up to their standards or not. After struggling with taking pictures of my check, the options to deposit made me unsure if it went through or not still. It's a shame I'm left confused because my partner uses the Wells Fargo app which has the same deposit function, and his check clears automatically into his account (and it doesn't take him a whole 20min of struggling to get the camera to work). I hope Santander troubleshoots this function and gives it more stability soon. One of the biggest reasons for downloading the app was that feature. :/

   Noted451 · 30 Aug 2026

3. 1/5If it was possible to give a zero I would

   I used Santander while I was living in NY. I now live in Texas and that’s my oldest account so I didn’t wanna close it because everything is digital banking now anyways. The customer service is beyond terrible. There’s just so much issues always going on. They can’t solve my issues by phone like other banks. Their agents cut you off on the phone, they don’t let you finish talking! Very very rude. They talk over you, they do not have enough knowledge about their products. So they often give wrong information! Also, if you go in to the bank to get cash, make sure to double check because they gave me a fake $50 about two years ago. I knew because I didn’t take it out of the small envelope but they wouldn’t take it back bcos I didn’t discover it while in the bank premises. Things can often only get resolved only if you go in and as someone who no longer live near where a branch is. I believe it’s time to take my business elsewhere. They just cannot seem to keep up with the times! Also when I went to the bank at Stapleton to change my address because they couldn’t do it online like other banks! The agent was asking me very deep and personal information!!!! About visa and the likes! Meanwhile I have a GC😭 the bank manager had to step in and was able to solve it within 3minutes. They just don’t have the knowledge. So if you use this bank, I strongly suggest you get a backup bank because they will disssapoint you when you least expect it. Do not make them your major financial institution. They should be a side!

   jibzeejay · 30 Aug 2026

4. 5/5So many issues

   There hasn’t been a time where I tried to deposit my check my mobile banking where it has constantly caused me issues. I’ve never had this problem before and after I had this last update, it’s constantly telling me to get closer to the check that I’m depositing through the mobile banking app, and when I move far away from it it tells me that I need to get closer again, or to use a dark background when I already. They need to fix that contact us phone number that they have listed in the mobile banking app because it does not go through. I have to constantly slip between the dial pad and the app in order to call somebody and it’s just annoying and I’ll be able to quickly just press the button and it just start dialing because of random extra numbers being at the end of the actual phone number. It takes forever and a day to get in contact with somebody. But when you finally do, that’s probably the only reason why I’m giving them to Star’s is because the people there actually help you and are very considerate of the time that you’re putting towards getting the issue fixed and they do everything in their powers to make sure everything gets resolved till at least thank you for them hopefully that you guys take into consideration to fix things.

   weeeeelllllll · 30 Aug 2026

5. 2/5Horrible Mobile Check Deposit Workflow

   Developers PLEASE revamp this. It’s almost as if someone developed this and then never actually used it. The entire workflow for this is bad. 1. When you open “deposit checks” in the app, auto point focus to the dollar amount (eliminate one tap). Obviously the first thing users are doing is typing in dollar amount, bring us there effortlessly, not having to tap on $0.00 to type in dollar amount. 2. The “auto” mode stopped working months ago. I waste so much time following the prompts “use dark background” and “move closer to check” and it doesn’t work. Finally I switch to manual mode - and the phone buzzes when you capture the image, creating a blurry photo! Please fix all this. This is the main reason I use the app and it’s pretty horrible compared to the other 4 banks I use for business purposes. Mobile check deposit shouldn’t be a 5-10 minute ordeal every-time. Also, it would be nice to see a total of accounts at a glance (add checking + savings as an example) for a quick glance at total funds. That would be really nice. I hope this feedback is useful. I’ve been using Santander since they were Sovereign Bank in the 90’s Using all of this on iPhone 14 Pro Max with latest iOS 17.2.1 at this time and the latest Santander app. I update apps daily.

   VolvoBug · 30 Aug 2026

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